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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,765 | $138,075-32.1% | $123,552-24.1% | $135,379-30.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -7.73% | 153.70%-161.4pp | 119.20%-126.9pp | 519.79%-527.5pp |
| Employer contribution / active EE | $3,325 | $5,152-35.5% | $4,628-28.1% | $4,779-30.4% |
| Participant deferral / active EE | $11,178 | $6,800+64.4% | $6,426+73.9% | $5,609+99.3% |
| Admin fee / account holder | $827 | $10,917-92.4% | $9,285-91.1% | $10,828-92.4% |